Skip to content
Screener

Carter Bankshares, Inc. CARE Q3 2025 earnings

Reported October 23, 2025 · Before market open

Revenue$38.1MMiss by $2.6M
EPS$0.26Miss by $0.13
Revenue estimate$40.8M
EPS estimate$0.39

Next report

Oct 22, 2026 (In 2 weeks)
Revenue estimate$47.2M
EPS estimate$0.54

Financials

Q3 2025

Income statement

See full
Revenue$39.1M+14.2%
Net income$5.4M-3.7%
EPS (diluted)$0.240.0%

Balance sheet

See full
Total equity$412.8M+6.7%
Total assets$4.8B+4.9%

Cash flow

See full
Operating cash flow$11.8M+14.6%
CapEx$1.5M-18.1%
Free cash flow$10.3M+21.9%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$440.02M+10.8%
P/E14.1×-10.3×
P/S3×0.0×

Profitability

See full
Net margin21.1%+8.8pp
FCF margin21%—

Returns & leverage

See full
Return on equity7.8%+3.3pp

Segments

By product

See full
Service Charges on Deposit Accounts$1.5M-0.5%
Other Fees and Other Income$956.5K+92.9%
Annual Commission on Investment$618.8K-28.8%
Customer Commissions$48.8K+17.5%
Special Production Payout$14.5K+34.9%

FAQ

When did Carter Bankshares, Inc. report Q3 2025 earnings?
Carter Bankshares, Inc. (CARE) reported Q3 2025 earnings on October 23, 2025 before market open.
What were Carter Bankshares, Inc.'s Q3 2025 revenue and EPS?
Carter Bankshares, Inc. reported revenue of $38.1M and eps of $0.26 for Q3 2025.
Did Carter Bankshares, Inc. beat estimates in Q3 2025?
Revenue missed the consensus estimate of $40.8M by $2.6M. EPS missed the consensus estimate of $0.39 by $0.13.
How did Carter Bankshares, Inc.'s Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 14.4% from $33.3M a year earlier and eps grew 8.3% from $0.24.
Where can I find Carter Bankshares, Inc.'s Q3 2025 SEC filings?
You can read the 8-K earnings release (0001829576-25-000063) and the 10-Q periodic report (0001829576-25-000068) directly on SEC EDGAR. The filing index links above go to sec.gov.